Write a review

Go to business site

Santander: 123 Current Account (discontinued) reviews

View other Santander products

4.18

Based on 1,252 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025

Latest lowest rating:

2

Is that a bank for the elderly ? Strong impression that the bank have little time for customers . I approached my local branch 4 times since May 2025 for certificates of interest whic... Read more Reviewed on: 23rd June 2025

Read all reviews Write a review

About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Review Santander: 123 Current Account (discontinued) now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander 123 Current Account (discontinued) reviews (1252)

A good interest rate plus cash back

Easy account opening procedure, by setting up the right direct debits you can cover the monthly account fee from the cash back and achieve a decent interest rate on up to £20k. Only negative is that they were unduly harsh in cutting the rate from 3% to 1.5% when base rate was cut by 0.5% Reviewed on: 5th March 2017

Cash back 123

Used to earn a lot by using my 123 card but Santander have. Is cut the rate so I don't get as much but it is still worth having to make a few extra pounds per month Reviewed on: 2nd March 2017

Paid to pay your bills and interest on your current account

This account gets my salary every month and I pay my bills from it. I earn around £20 a month in interest and cash back. Reviewed on: 1st March 2017

Great product

I just love the benefits you get with the 123 Santander current account. Earn interest on your money, get cashback on utilities and all can be managed online. Reviewed on: 12th February 2017

Change of Opinion

They recently changed the T&Cs on this account, increasing the monthly fee, which was very disappointing. However, as my mortgage is also with Santander, that coupled with my DD payments to various utilities, still gives me more cash back than monthly fee, so less happy than I was, but still better than nothing at all. When the fee outweighs the benefits, I'll think again. Reviewed on: 12th February 2017

Contact-less

Very good bank, but won't let me get a contact-less card…perhaps because I'm a student and probably don't deserve one. Reviewed on: 12th February 2017

Great perks for everyday spending h

A great everyday account. Cashback on purchases and a better than most other banks rate of interest on your money Reviewed on: 12th February 2017

Trust

Melanie is my personal banker In the Londonderry Branch. She is always available to answer my questions and explain my options. I always feel that she has my best interests at heart. Reviewed on: 12th February 2017

Terrible customer service, unhelpful, rude, difficult to get hold of/rip off banking service both credit cards and banking

Every experience I've had with this bank has been hard work from trying to get back online to access credit card facilities to being charged for nothing without being informed! Trying to get hold of customer service to discuss your bank account infuriatingly takes an age only to be told when you get through that they can't help you or they don't know how to. They need to stop pushing the onus onto their customers to do the hard work and start doing it themselves. I would never use these again if they were the only bank left standing! I'd rather stash cash under my mattress. Reviewed on: 12th February 2017

CURRENT ACCOUNTS

I HAVE FOUND THIS TO BE THE BEST BANK FOR CURRENT ACCOUNTS THEY PROVIDE AN EXCELLENT SERVICE Reviewed on: 12th February 2017

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Reward Silver Account
from NatWest 4.58 from 164 reviews
M Plus account
from Virgin Money 3.74 from 22 reviews
Student Current Account
from TSB 4.19 from 6 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Choice Current Account
from Santander 4.11 from 17 reviews
Basic current account
from Santander 3.94 from 308 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub